Loan Options

in Indiana, Colorado, Kentucky, Tennessee, Florida or Texas.

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Buying your dream home or refinancing in Kentucky, Florida, Indiana, Colorado, and Tennessee begins with finding the right type of mortgage.

We are dedicated to making sure that every borrower who contacts us can discover what they need to achieve their financial goals.

That is why we offer a broad selection of mortgage products including popular loan types like conventional and FHA loans as well as specialized products like bank statement loans and certified divorce lending.

We Offer These Types of Mortgages in Louisville and Beyond


With a conventional mortgage, you can choose an adjustable or fixed rate. Down payments for conventional conforming loans can be as low as 3%.

VA Loans

Veterans, active-duty service members, and eligible surviving spouses may purchase a home with zero down using a VA mortgage. With insurance from the Department of Veterans Affairs, this government-backed loan features flexible qualifications and affordable rates. Another great feature is no PMI.

FHA Loans

Another government-backed loan program with flexible credit qualifications is the FHA mortgage program through the Federal Housing Administration. Down payments as low as 3.5% and affordable rates make this program attractive to first time and returning homebuyers.

FHA 203k Loans

This type of FHA loan lets you bundle together a mortgage to purchase a home and renovate it.

USDA Loans

For borrowers purchasing a home in a rural area, the USDA loan program backed by the US Department of Agriculture opens the door to zero down homeownership with competitive rates.


If you need to borrow more money than you can using a conforming loan, a non-conforming jumbo loan can help you move into your dream home.

Reverse Mortgage

Borrow against the equity in your home to enhance your income during retirement. You have complete control over how you use your funds.

First Time Home Buyer

If you are shopping for your first home, we can walk you through every step of the process and help you identify which type of mortgage is right for you.

Certified Divorce Lending

If you are undergoing a divorce, it is important to work with a Certified Divorce Lending Professional (CDLP) to help you navigate the mortgage, legal, and tax implications of a divorce. We can help you identify obstacles and solutions that a regular mortgage professional might miss.

Investment Property

Invest in real estate in FL or KY with a competitive mortgage that maximizes your ROI. We close fast so you can move on hot properties before your competitors do.

Bank Statement Loans

Are you self-employed, or do you own your own business? For borrowers without a W-2, we offer bank statement loans for an easy alternative.

2/1 Buydown

Are you in the market to buy a new home and need a mortgage? Consider the benefits of a 2/1 buydown seller concession offered by American Mortgage Solutions.

How Do You Choose the Right
Type of Mortgage?

How do you know what type of home loan is right for your needs? We suggest you assess the same factors that we do:

  • Your income
  • Your employment status and history
  • Your credit score
  • Your debt-to-income ratio
  • Your ability to make a down payment
  • Your veteran status
  • The location where the house will be located
  • Your assets
  • How long you plan to live in the home you are purchasing

See What Our Clients Are Saying About Us!

April B.
April B.
18:53 25 Aug 23
I can’t express how grateful and satisfied I am with American Mortgage Solutions after an amazing 25 years of collaboration! From my very first home purchase in 1998 to my last in 2023, they have consistently provided unparalleled service that goes above and beyond mere business transactions.From day one, American Mortgage Solution impressed me with their professionalism, expertise, and genuine care for my financial well-being. They guided me through the intricate mortgage process, patiently answering my questions and ensuring I feel confident at every step.Over the years, I’ve had the privilege of engaging with various members of their team, each one providing their commitment to excellence. In an ever-changing environment, they have maintained a high standard of service that doesn’t waiver with time.
Cora H.
Cora H.
15:54 29 Jun 23
Tara is the best! She is always available for every client myself and my team have brought to her. She is there to answer every question or concern that comes up for our clients and myself as an agent. Extremely thorough! I bring every client I can to her! Thank you Tara!
Justin D.
Justin D.
02:49 27 Jun 23
I highly recommend American Mortgage Solutions and Kris is amazing she gets right to it and answers all your questions Kris is a very hard worker and gets the job done definitely would recommend her to anybody A+ to American Mortgage Solutions 💯

Apply Now for a Mortgage
in Kentucky or Florida

On your own, it can be a challenge to identify the ideal type of home loan. But with American Mortgage Solutions on your side, it can be fast and easy to find the right mortgage.

To schedule your consultation and find a suitable home loan today, please give us a call at (502) 327-9770 in Kentucky or at (239) 766-8344 in Florida. We are also licensed in Tennessee, Indiana and Colorado.